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Hey guys/gals,

Been surfing around the forum to get input of information regarding sportbikes.

Final item is insurance. I read quite a bit of post, what type of insurance should I get. Full coverage, liability, medical, etc.


Thanks guys/gals
Jim :)
 

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lia is prolly a min.

medical ins. is a MUST

everything else is gravy,
 

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What insurance company do you guys have that cover medical? I have state farm and they do not even have the medical option. I thought it was common to not have medical coverage on motorcycle insurance.
 

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Keon355 said:
What insurance company do you guys have that cover medical? I have state farm and they do not even have the medical option. I thought it was common to not have medical coverage on motorcycle insurance.
I have state Farm and they DO offer medical(which I opted not to get, have great medical already).....WTF are you talking about???
 

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WhatBike said:
Hey guys/gals,

Been surfing around the forum to get input of information regarding sportbikes.

Final item is insurance. I read quite a bit of post, what type of insurance should I get. Full coverage, liability, medical, etc.


Thanks guys/gals
Jim :)
depends on alot of factors......bike, replacement cost, high theft rate etc....

I have liability only on 3 of my <$1k bikes....not worth the expensense of full coverage because of replacement value/not desirable to steal....the Mille is covered fully!
 

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If it's a new bike and you're making payments on it, then the lien holder usually requires full coverage...

If it's an older bike and you own the title, then liability at the minimum...

I'd make dure you've got theft, fire, and vandalism coverage as well...

I've got the title to my bike and I've got full coverage... better safe than sorry I say.
 

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I have state farm and got liability and comp. on my bike to cover theft. I opted not to get the medical because I have good medical from my work as well.
 

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btw, when i say medical, i mean have some sort of medical whether it be from work or from the bike or car ins.
 

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I have Progressive and they have been the most reasonable on prices for full coverage. I don't know if they have medical, but check with them and see.
 

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scorpion12 said:
If it's a new bike and you're making payments on it, then the lien holder usually requires full coverage...

If it's an older bike and you own the title, then liability at the minimum...

I'd make dure you've got theft, fire, and vandalism coverage as well...

I've got the title to my bike and I've got full coverage... better safe than sorry I say.
Not with Kaw. because I bought my bike brand new and as long your under 10,000 then you don't have to have insurance. But I agree with you on having full coverage. Like you said better safe than sorry.
 

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R&DZX9 said:
I have Progressive and they have been the most reasonable on prices for full coverage. I don't know if they have medical, but check with them and see.
oh really....they quoted me, age 36, 1200/year.....state farm, I pay 283/yr.....Same bike, better coverage w/ SF!
 

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I personally prefer full coverage, you just never know what's going to happen
 

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Get liability of course but also get Underinsured/Uninsured motorists coverage. There are way too many fools driving around without insurance and those are usually the ones that will hit you.
If You live in a high crime area, get comprehensive as well.

And if you have the big bucks, get all of the above with collision and PIP. Most companies charge an arm and a leg for collision, especially on large dispacement sport bikes. It may be the case that any damage you cause to your bike on you own, you can repair for less than your collision premium.

All in all the best way to go is by getting as much coverage as you can afford.
 

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State Farm doesn't offer medical coverage on bikes in CA. It may vary from state to state.

As far as full coverage is concerned, you need to think about how/if you'd replace the bike if stolen or wrecked (by you). If you'll be making payments, the payments won't stop if the bike is totalled. :cry
 

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I just got off the phone with Geico and they saved me about $350 over Allstate with the same coverages and deductibles. They gave me the discount for safety class.

Mike
 

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I'm so glad I'm buying Kawasaki (Liability is a Min), and I'm in the military, so I get full free medical. :)
 

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I say forget about full coverage unless the bank makes you have it. You should never claim on a motorcycle unless its stolen in my opinion because you will never afford the insurance again if you wreck and claim it. most bikes can be fixed relatively cheap on aftermarket parts anyways, better than a claim on your record to spend $1k-$2k to fix it yourself. if a sportbike cost more than $2k to fix with aftermarket and junkyard fairings/parts it prolly isnt safe to get back on it
 
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